Frequently Asked Questions

 To assist you in learning more about the Credit Union, we have compiled a short list of the most frequently asked questions and answers:
 

Q. What are your hours of operation?
A. View our hours on our location page.
   
Q. Do I have to maintain a minimum balance in Share (savings)?
A. A $5 minimum balance is required. You will find that our Share account generally pays a higher rate of return, called dividends, than at other financial institutions.
   
Q. Can I have my payroll check deposited directly into my Credit Union account?
A. Yes! Simply contact the Credit Union and/or your payroll department for more information.
   
Q. Will I have to close my account at the Credit Union if I leave my job or relocate?
A. Absolutely not! Remember, "Once a member, always a member"!
   
Q. Can my family members join the Credit Union?
A. Yes – all family members are eligible for membership. Contact a credit union representative for further details.
   
Q. How long do I have to be a member before I can apply for a loan?
A. There is no waiting period. As a matter of fact, you may become a member, and apply for a loan at the same time. You may complete our loan application online.
   
Q. What is the difference between a Credit Union and a Bank?
A. Credit Unions are not for profit cooperative financial institutions which generally have favorable interest rates on borrowing and savings programs as well as lower service fees.
   
Q. May a "joint owner" on an account open an account in his or her name?
A. No. A joint owner is not a member of the Credit Union. However, all family members are eligible to join..

Looking for the answer to a different question? Send us an e-mail and we will respond to your question promptly.